{"id":2266,"date":"2022-10-04T10:00:09","date_gmt":"2022-10-04T04:30:09","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=2266"},"modified":"2023-06-14T18:30:05","modified_gmt":"2023-06-14T13:00:05","slug":"irdai-draft-on-dematerialisation-of-insurance-policies","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/irdai-draft-on-dematerialisation-of-insurance-policies\/","title":{"rendered":"Dematerialisation of Insurance Policies: IRDAI Releases an Exposure Draft"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/irdai-draft-on-dematerialisation-of-insurance-policies\/#The_Exposure_Draft_Also_Announces\" >The Exposure Draft Also Announces:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/irdai-draft-on-dematerialisation-of-insurance-policies\/#1_Discount_on_e-insurance_policies\" >1. Discount on e-insurance policies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/irdai-draft-on-dematerialisation-of-insurance-policies\/#2_Dematerialisation_of_existing_insurance_policies\" >2. Dematerialisation of existing insurance policies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/irdai-draft-on-dematerialisation-of-insurance-policies\/#3_Power_of_the_Authority_to_issue_clarifications_etc\" >3. Power of the Authority to issue clarifications etc.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/irdai-draft-on-dematerialisation-of-insurance-policies\/#Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\" >Click on the below links to read some cases resolved by Insurance Samadhan:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>On 29 September 2022, The Insurance Regulatory Development Authority of India (IRDAI) released an exposure draft on dematerialisation of new insurance policies and requested all stakeholders to comment on the proposed regulations by October 20.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-2268 size-full\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Dematerialisation-of-Insurance-Policies-IRDAI-Releases-an-Exposure-Draft3.jpg\" alt=\"Dematerialisation of Insurance Policies: IRDAI Releases an Exposure Draft\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Dematerialisation-of-Insurance-Policies-IRDAI-Releases-an-Exposure-Draft3.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Dematerialisation-of-Insurance-Policies-IRDAI-Releases-an-Exposure-Draft3-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Dematerialisation-of-Insurance-Policies-IRDAI-Releases-an-Exposure-Draft3-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Dematerialisation-of-Insurance-Policies-IRDAI-Releases-an-Exposure-Draft3-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Dematerialisation-of-Insurance-Policies-IRDAI-Releases-an-Exposure-Draft3-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Dematerialisation-of-Insurance-Policies-IRDAI-Releases-an-Exposure-Draft3-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<p>With the exposure draft, IRDA aims \u201cTo promote efficiency in the conduct of insurance business by enabling the insurers to establish an appropriate framework by adopting technology to build capabilities a) for solicitation of insurance business through electronic platform; b) to issue e-insurance policies procured either through electronic platform or otherwise; c) to mandate the use of electronic insurance account for holding e-insurance policies.\u201d<\/p>\n<p>As per the draft, insurers shall issue insurance policies only in electronic form. However, customers have the option to buy an insurance policy either by submitting a physical proposal form or through an electronic platform.<\/p>\n<p>Further, the electronic platform must provide a step-by-step process for each of its functions in Regional, Hindi and English languages to help policyholders and their beneficiaries.<\/p>\n<p>IRDAI also noted that e-insurance accounts (eIA) are mandatory for all policyholders and all insurance policies issued to a policyholder must be held in his e-insurance account.<\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Exposure_Draft_Also_Announces\"><\/span>The Exposure Draft Also Announces:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Discount_on_e-insurance_policies\"><\/span>1. Discount on e-insurance policies<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If a policyholder purchases an insurance policy through the electronic platform (directly), then he will get a discount on premium rates.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Dematerialisation_of_existing_insurance_policies\"><\/span>2. Dematerialisation of existing insurance policies<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Every existing policyholder must be provided with an <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/irdai-plans-for-dematerialisation-of-insurance-policies\/\">e-insurance policy<\/a> facility within 12 months from the effective date of this regulation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Power_of_the_Authority_to_issue_clarifications_etc\"><\/span>3. Power of the Authority to issue clarifications etc.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The Chairperson of the Authority may issue clarifications, directions and guidelines in the form of circulars\/guidelines to prevent the difficulties in application or interpretation of any provisions of these Regulations.<\/p>\n<p>If you face any problem related to insurance, you can contact Insurance Samadhan. We have helped resolve 14,500+ complaints of policyholders. Insurance complaints include <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/steps-to-deal-with-insurance-mis-selling\/\">insurance mis-selling<\/a>, claim rejection, delay in claim settlement, etc.<\/p>\n<p>Contact us to get samadhan for your insurance issues, we\u2019ll be happy to help you.<\/p>\n<hr \/>\n<h3><span class=\"ez-toc-section\" id=\"Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\"><\/span>Click on the below links to read some cases resolved by Insurance Samadhan:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/dengue-insurance-coverages-and-exclusions\/\">Dengue Claim Rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/top-reasons-for-travel-insurance-medical-claim-rejection\/\">Travel insurance medical claim rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/cashless-claims-in-health-insurance\/\">Cashless claim rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\n<p>You can also<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">9910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/irdai-draft-on-dematerialisation-of-insurance-policies\/\"\n  },\n  \"headline\": \"Dematerialisation of Insurance Policies: IRDAI Releases an Exposure Draft\",\n  \"description\": \"On 29 September 2022, the IRDAI released an exposure draft on dematerialisation of insurance policies and requested all stakeholders to...\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Dematerialisation-of-Insurance-Policies-IRDAI-Releases-an-Exposure-Draft3.jpg?resize=768%2C432&ssl=1\",\n    \"width\": \"1920\",\n    \"height\": \"1080\"\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Shailesh Kumar\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/www.insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": \"224\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2022-10-04\",\n  \"dateModified\": \"2022-10-04\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>On 29 September 2022, The Insurance Regulatory Development Authority of India (IRDAI) released an exposure draft on dematerialisation of new insurance policies and requested all stakeholders to comment on the proposed regulations by October 20. With the exposure draft, IRDA&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/irdai-draft-on-dematerialisation-of-insurance-policies\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":2269,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[223],"tags":[226,198,224,200,225],"class_list":["post-2266","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dematerialisation-of-insurance-policies","tag-dematerialisation-of-insurance-policies","tag-e-insurance-account","tag-eia","tag-irdai","tag-irdai-regulations"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>IRDAI Draft: Dematerialisation of Insurance Policies<\/title>\n<meta name=\"description\" content=\"Discover IRDAI&#039;s proposal for dematerialisation of insurance policies. 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